AAA said a gallon of regular in the five boroughs averages $3.51. Across the river in New Jersey it’s $3.09.

Gas Pump (credit: CBS 2)

One New Yorker said his vehicle has a 60-gallon tank. By gassing up in New Jersey he saved $27. The owner of the Exxon near the George Washington Bridge said most of his New York customers are like Susan Sladowski — people who take advantage of a scheduled trip to Jersey.

“My daughter lives out over here, so when I know I’m gonna visit her, I don’t fill up in New York. I come over here and fill up. Taxes are less here, so gas is less,” Sladowski said.

But because of the traffic and the tolls to cross the river, “it doesn’t pay unless I happen to come to Jersey, because the tolls zero out the difference,” Sladowski said.

But one Pace University economist said as prices rise there is no doubt many New York drivers will “do the math” to see if it’s worth a special trip to gas up in New Jersey.

“If you have a 20-mile-per-gallon car, and you can save 50 cents a gallon, and you can take 20 gallons, suddenly that’s a 10-dollar saving. You can drive many miles to take advantage of that savings and still be ahead,” Professor Ron Filante said.

As the intensity of the civil unrest rises in Libya, so does the price of oil. It hit $103 a barrel Thursday, the highest since August 2008, and worries over supplies abroad were sparking fears here that not only could the cost of gas soon surge past $5 a gallon, but that prices for food and clothing could rise even higher as well.

Libya exports less than 2-percent of the worlds oil, and a fraction of that comes to the United States. Also, consider it typically takes weeks, if not months for Middle East crude to be shipped and processed into gas we can use.

So it’s easy to understand why drivers are questioning why their price at the pump is rising so rapidly now.

Asked what he just finished paying to fill up his jeep, James Carlton of Brooklyn answered: “More than I should have paid. I paid $58 for 15 gallons of gas.”

“Oil speculation is what’s driving up the price. I think it’s the greed of oil producers and certainly the speculators on Wall Street that have everything to do with the increase in oil prices. So I think thats really the issue,” said resident Ken Estey.

Even Coney Island Shell gas dealer Cuneyt Erdal said he was forced to pay higher wholesale prices. He said some of that extra cost has been passed onto a dwindling customer base.

“Of course I’m losing customers. And they increase 22-cents in two days,” he said, noting that the drop has cut into his profits.

With gas prices rocketing out of site, the Consumer Affairs Department inspected over 10,000 pumps around the New York City and found 97 percent of them delivered what you’re paying for.

“Even though prices are up our inspectors showed some fantastic news; accuracy compliance rate is at 97 percent across the city,” Consumer Affair Commissioner Jonathan Mintz said. “Ninety-seven percent of the time, almost every single time, these gas pumps are accurately dispensing what it is they tell you they’re dispensing.”

Do you head to New Jersey in times like these? Tell us about it in the comments section below.